So there was that great coupon Aldi had posted but then removed it – because I guess it was so popular. Fortunately I saved it for you. Hopefully you can print it out by clicking on the image below. But hurry – it only lasts until Nov. 15, 2013. Cheers!
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Money misconceptions run rampant in most marriages. Multiply one mistake by two people and what you’ll get is a recipe for disaster. Communication is key for a sustaining a marriage and a healthy bank account. Sometimes all it takes is a little education so if you’re married and struggling, try implement these strategies.
Secrets Lead to Setbacks
Any marriage counselor will tell you that secrets can silently kill a marriage. The same reigns true for your finances. Once you enter into holy matrimony, you have an obligation to be open and honest about all transactions which have the potential to affect your partner. Liberate your financial demons early on in the relationship. If you’re buried in student loans or credit card debt, it’s best to inform your partner. If they can’t accept you (and your debt), the relationship might not be destined to survive.
Merging debt is not the route to financial freedom. You’re more than encouraged to create a joint account with your partner for monthly expenses but avoid marrying your debt. Combining your debt has the potential to exacerbate your credit and stick you with a heavy load if the marriage doesn’t last for the long haul.
Lay Out Ground Rules
No one likes rules but they have their place in business affairs. Couples should have a serious discussion about budgeting, first and foremost. Sit down together and evaluate how much money you can afford to spend on common expenses like food, gas, and utilities. Then based on that number you can determine your disposable income for entertainment, activities, and events.
Estate Planning and Emergency Expenses
Unexpected expenses are just that—unexpected. Have a clear plan set up in case of emergencies with health, career, or kids. This includes writing up a living will and/or asset distribution. It’s crucial to think of worst case scenarios so that you can be prepared and ready to act if they occur. Health emergencies are some of the most expensive bills. A trip to the E.R. alone can cost you thousands of dollars and doctors tend to perform many tests which come at a high cost to the patient. Unfortunately, this is how many people fall into the grips of credit card debt. Debt management services, like Consolidated Credit, can provide help for those struggling with these problems.
Being prepared with a classified paperwork system can be your biggest asset. What if your partner becomes incapacitated and is unable to tell you where the important documents are located? When trouble strikes, the best defense is a plan.
To conclude, marriage is a serious decision which takes serious planning on both halves. Communicate openly about everything from grocery shopping to emergency scenarios, lay out clear ground rules, and never ever merge your debt.
Looking for something to do with the kids that won’t cost you a dime? How about catching a movie for free?
Wednesday, Wehrenberg kicks off its Free Family Summer Series. It features a different second-run family film each week through August 15th with a break during the week of July 4th.
Showtimes are at 10 a.m. every Wednesday and Thursday. Movies this year include Hotel Transylvania, We Bought a Zoo, Parental Guidance and much more.
Also, get a Family Summer series kid combo offer for popcorn and soda for just $5.
The art of buying a used car has become a skill that some truly specialize in. It’s a management of money, as well as a skill of negotiation. By having awareness of particular knowledge you can effectively take the price of a used vehicle and drop it considerably. Things to consider and pry on when you are pressing this avenue of life and adventure are the following:
1. Choose a reputable model- When choosing a used car, pick something that has a strong reputation. If you know it has a reputation to last a long time, usually a general consensus isn’t far wrong. A name such as Honda and Toyota are known for having vehicles that last with very strong engines.
2. Check the car out- Look into a car’s report and have the information of the car as a reference point for potential problems. It will tell you whether it has experienced any bad accidents and potential damages that might not be directly visible. A car’s report will tell you the number of accidents and the kinds of damage the car has experienced. It’s a very crucial piece of information.
3. Have the car inspected by a mechanic- For beginners, if the place selling the car, or the individual won’t allow this, or isn’t comfortable with you looking into this avenue, then that is a sign in itself to look elsewhere for your vehicle. A qualified mechanic will be able to look at the car and see things that you may not see as one looking at it from a convenient perspective. A mechanic will see it from the view of a professional and be able to point out potential hazards and listen for various noises that signify the car has a problem.
4. Pay attention to the year- This doesn’t mean to avoid older model vehicles. What this means is that certain vehicles have better components on particular years. A prime example is a Honda Civic, in the year 1999 their engine was supposed to be one of their most solid models, whereas the 2000 year engine model has reputable problems with leaks and damages. Sometimes looking into a vehicle and its most successful years and why it was successful is an avenue that will not only lead you to a better price on a vehicle, but overall a better car.
5. Negotiate- A used car is exactly that, a used car. It has room for negotiation as does any vehicle you buy. An asking price is a seller’s ‘hope’ to get, not really what they ‘expect’ to get. If you throw out a drastically low number you will most likely get back the number the dealer truly expects to get as a return negotiation. From there it is open season and a battle of wits and skill on your ends to see what kind of price you can achieve. Sometimes a few minutes of conversation can save you thousands of pounds.
When going to purchase a used car you have several avenues you can go down to try and get the most for your money. The options are often endless, and you can negotiate your way into a car that would normally cost much more money for much less expense. Buying a used car in the long run is a very cost-effective way of getting reliable transportation.
Author Bio: Bradley Taylor is an automotive blogger, journalist and enthusiast. He also contributes to other and on behalf of other motoring publications such as Jardine Motors, BMW, Nissan, Audi and Ford. Connect with Bradley on Google Plus.
Taking out a loan can be daunting. It’s a big commitment that needs careful consideration and, more than anything, you need to ensure that you can afford the repayments.
However, if you do your research and are prepared for what you’re taking on, getting a loan could give you the freedom to make some huge changes; both at home and at work. Anything from buying a house to changing careers is possible, so why not see if taking out a loan can help you.
One of the biggest and most important loans that most people will take out is their mortgage. Allowing potential homeowners to borrow a considerable proportion of the money to purchase their new home, taking on a mortgage is life changing and long term.
Apart from the lucky few, almost everyone will have to take on some sort of mortgage when buying a property. Though it is a lot to take on, without this debt the majority of Brits would be left unable to afford to get on the property ladder and be left renting for the long term.
Since the recent property market turmoil, many people have been choosing to improve and renovate their homes instead of moving. Extensions and loft conversions have become commonplace as homeowners try to add value to their properties whilst creating a great space to live in for the meantime.
As home improvements can be expensive, many households choose to take out a loan in order to cover the costs. Depending on how much you need to borrow this could be a short-term loan or a loan secured against your home.
Another major reason for people taking out a loan is to pay for courses or training that will enhance their career prospects. Loans can be put towards covering tuition fees and living costs while you’re studying and most banks won’t ask you to start making repayments until after you’ve graduated so you can focus solely on your studies for the duration of the course.
Taking out a loan to cover purchases is fairly common, especially when it comes to expensive purchases like cars.
Although many dealerships offer finance deals, it’s often cheaper to use a loan to buy a car outright and then repay the bank over time. As with any loan, you need to ensure you can afford the repayments and always try to put in as much deposit as you can.
Most people, at some point in their lives will need to take out a loan and it’s really not as scary as many people think. By choosing your bank wisely and being realistic about your repayments, you could manage a loan easily and painlessly.